We compare 5 rate options across 3 home loans, 2 personal loans, 3 savings accounts and 8 term deposits from gmcu. Its lowest variable owner-occupied principal and interest rate on home loans is 6.09% p.a. (comparison 6.25% p.a.*), on the Standard Variable Plus. gmcu last updated a product in its published data on 6 Oct 2026.
ABN
87 087 651 509
Checked against gmcu’s own published dataWe show all of the product information we are able to access. For banking products that is each provider’s public Consumer Data Right (CDR) Product Reference Data endpoints, published under the Consumer Data Standards (CDS) maintained by the Data Standards Body. Where a provider does not publish a field, or a row is an editorial selection, we say so. on 19 Oct 2026
Compare gmcu Products
Each link opens gmcu’s products in that category, shown with the same figures we use for the rest of the market.
Lowest variable rate, owner-occupied, principal & interest6.09% p.a.6.25% p.a. comparison rate*Standard Variable Plus
Of its 5 rate options, 4 are fixed and 1 variable.
Products Standard Variable Plus, Fixed Rate 18 months - Special construction offer, Fixed Rate Home Loan, Fixed Rate Home Loan - Investment, Fixed Rate Investment 18 months - Special construction offer, Standard Variable Plus Investment
Its variable home loan has had a rate change since the RBA’s 29 Sep 2026 decision.
Advertised rates across its 2 personal loans run from 7.79% to 14.95% p.a., with comparison rates from 8.04% to 15.18% p.a. Of those, 2 publish a fixed rate. None of these headline rates has changed in the last 30 days.*
Products Personal Loan - Secured, Personal Loan - Unsecured
Advertised rates across its 3 savings accounts run from 1.05% to 4.54% p.a. Of those, 1 pays a bonus rate when conditions are met. Its average advertised rate is 2.23% p.a., against a market average of 3.30% p.a. across 312 savings accounts from 85 providers.
Highest advertised rate5.25% p.a.Fixed Term Deposit - 6 to 8 months
Advertised rates across its 8 term deposits run from 3.60% to 5.25% p.a. Terms run from 5 months to 2 years. Its average advertised rate is 4.70% p.a., against a market average of 4.13% p.a. across 647 term deposits from 85 providers. 6 headline rates have risen in the last 30 days.
Products Fixed Term Deposit - 6 to 8 months, Fixed Term Deposit - 12 months, Monthly Income Term Deposit - 6 months, Monthly Income Term Deposit - 12 Months, Fixed Term Deposit - 24 months, Monthly Income Term Deposit - 24 months, Fixed Term Deposit - 9 to 10 months, Fixed Term Deposit - 3 to 5 months
Comparison rate warning
*Warning: the comparison rates shown for home loans are calculated by each lender on its own standard example, usually a $150,000 loan over 25 years. This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
*Warning: the comparison rates shown for personal loans are calculated by each lender on its own standard example, usually a $30,000 loan over 5 years. This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Rates, fees and charges are subject to change without notice. Before acting on any information shown here, you should confirm the rates, fees, charges and product information with the provider. For clarity, where we have used the terms “lowest” or “best”, these relate solely to the rates of interest offered by the provider and not to any other factor. The application of these terms to a particular product is subject to change without notice if the provider changes their rates.
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